985 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 985 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,788 sqft · built 1975
Lot Size	0.159 acres (6,930 sqft)
Owner	Individual Name on Record
Last Sale	$1,055,000 (Apr 2025)
Tax Bill	$6,342 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-28-005`

Property Details

APN / Parcel Number

Primary APN	`808-28-005`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	1,424 sqft
1st Floor Area	1,424 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	105 ft deep x 66 ft wide
Garage Area	493 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	985 ORTEGA CIR
City	GILROY
State	CA
Zip	95020-5313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5616 LOT 181
Legal Subdivision	5616 CASTLEWOOD PARK UN #8
Legal Tract	5616
Legal Lot Number	181
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512510

Owner

Source: Santa Clara County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	985 ORTEGA CIR, GILROY, CA 95020-5313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage NMSI INC
Jul 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2025 · Amount on Record
Deed Sale	Apr 18, 2025 · Amount on Record
Prior Sale	Sep 29, 1999 · Amount on Record
Deed Document Number	202525794069
Prior Transfer Date	Feb 17, 2025
Prior Transfer Doc	0025766730
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	985 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	UNKNOWN, OCT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 ORTEGA CIR, GILROY, CA 95020-5313

Mortgage

Document Number	0025942031
Date	Feb 10, 2026
Instrument	25942031

Lender

Name	NMSI INC
Type	Mortgage Company
Address	2975 WILSHIRE BLVD STE 600, LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	985 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Aug 2, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 ORTEGA CIR, GILROY, CA 95020-5313

Mortgage

Document Number	0025504453
Date	Jul 24, 2023
Instrument	25504453

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	985 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 ORTEGA CIR, GILROY, CA 95020-5313

Mortgage

Document Number	0024691559
Date	Nov 6, 2020
Instrument	24691559

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Gilroy City
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,076,100 (+108.59%) Land $710,940 Building $365,160
2025	$6,342.00 (+2.24%) Homeowner's exemption	$515,902 (+4.04%) Land $181,350 Building $334,552
2023	$6,203.00 (+1.71%) Homeowner's exemption	$495,871 Land $174,309 Building $321,562
2022	$6,099.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GILROY serves 59,426 people · EPA ID CA4310004
Water Source	Groundwater
Last State Inspection	Feb 2025
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jun 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, T-Mobile, Verizon.

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